On The Supervision Of Microfinance Institutions

In2014March, Premier Li Keqiang inspection in Liaoning Province, into the ShenyangHanhua small loan companies, to listen to the person in charge of the company proposed toexpand the financing channels, financial and taxation support, hope three suggestions aboutprivate banks, financial and taxation departments responsible person immediately asked tofinance research, try to support. He said, micro finance services Small and micro businesses, two"small" harmony superposition, can make a great business of beauty.In order to optimize the investment environment, financing to resolve the problem of small,micro enterprises, promote private capital "sunshine" process, the people’s Bank, China BankingRegulatory Commission in2008issued a "about micro finance company pilot guidance",launched the pilot work of commercial micro finance institutions. After several years of pilot andpromote the development of micro credit institutions, China rapidly, provide financial lendingfor the "three rural" economy, small and medium-sized enterprises and Small and microbusinesses to solve the financing problem very fruitful, these small, weak economic entity. Withthe rapid development of micro finance institutions, to establish an efficient, practical, accordwith the national regulatory mechanism has become a pressing matter of the moment. As microfinance institutions is still a new thing of the socialist market economy, how to regulate theproblem, mainly for: Administrative positioning mechanism is not clear, supervision is notuniform, there is no standard supervision mode, without establishing a set of effectivesupervision system, the total.The first issue of the status quo of China’s micro finance institutions for system analysis,carries on the detailed elaboration to the existing problems in the supervision of micro financeinstitutions focus. By analyzing the development of mature supervision experience ofinternational micro credit, puts forward to establish Chinese micro finance institutionssupervision mechanism, to further accelerate the development of micro finance institutions,provide more powerful impetus for economic and social development Chinese.Analysis, the comprehensive use of comparative case analysis and induction analysismethod, problems of supervision of the micro finance institutions are discussed, and proposedthe establishment of long-term supervision mechanism and policy recommendations. Through the explanation, can achieve comprehensive found all kinds of problems in thesupervision of financial micro finance institutions, through the research of the problem for therelevant departments to formulate policies to provide effective basis, so as to establish a moreregulatory mechanism conducive to market development.